Only foreigners who wish to apply for the AMEX Gold credit card must open a Maybank account.

Cold Storage do accept AMEX. Swiped it many times at Cold Storage KLCC.

This is where VISA and Mastercard come in handy


In the States people use AMEX charge card to pay for private jet plane bill as well as to pay for Bentley, Lexus etc. You might want to give it a try


You mean paying your AMEX via M2U ?

You can get the annual fee waived every year actually. My dad has one OCBC/GE Mastercard and he never paid any annual fee for the card. Been using it for more than 4 years already.


Not if you have proofs that you can actually afford to pay for those luxurious items in cash at one go


By the way, apparently now Public Bank credit card processing terminal can also recognize AMEX. Kinokuniya bookstore recently changed their credit card processing terminal from HSBC Global Payment to Public Bank's. While Public Bank credit card processing terminal now accept AMEX, it really is up to the merchant whether they want to accept AMEX or otherwise.

This post has been edited by MilesAndMore: Sep 14 2009, 09:54 PM

OCBC is not big on credit card business, just like our very own Malaysian Public Bank


Yes, only for AMEX Gold credit card (without the Maybank logo) though.


You can put in the request. However it doesn't mean you will definitely be granted extra CL. Always worth a try if you really need it.

This post has been edited by MilesAndMore: Sep 15 2009, 06:06 PM

Just called AMEX to convert our MR to cash rebate. Call was answered in less than 1 minute. Very efficient !

You can't pay for your AMEX Gold CC (the one without Maybank logo) via any Maybank CDM. Not really sure if you can transfer money from your Maybank savings/checking account through the ATM but last time i always helped my mom to pay her AMEX Personal charge card bill over the counter. But since it is always hard to find a parking space at the Maybank building, i decided to apply for a Maybank savings account. Now i usually go to Maybank at night to deposit some money into my savings account, then i will go home and transfer the money to AMEX via M2U. It is so much more convenient this way

This post has been edited by MilesAndMore: Sep 16 2009, 05:45 PM

TM Point doesn't accept AMEX. You need to look for the AMEX logo or you can just ask the cashier whether they accept AMEX or not. Anyway, below is the list of merchants that accept AMEX.

- Kinokuniya Bookstore
- MPH Bookstore
- Times Bookstore
- Carrefour
- Giant
- Tesco
- Cold Storage
- Guardian
- Watson
- Parkson
- Isetan
- Jaya Jusco
- Metrojaya
- Uda Ocean
- Shell Station
- Petronas (**need to pay at counter)
- ASTRO (**over the counter, by phone or auto-debit only)
- Speedy Video
- SONY STYLE
- DELL
- Chocolates shops in KLIA
- Certain cafe outles in KLIA
- KLIA Express
- KLIA Airport Limo
- Air Asia
- Well known hotels such as Mandarin Oriental, Hilton, Hyatt, Le Meridien, JW Marriott, Westin etc.
- All major hospitals
- All the high-end retail stores in KLCC, Pavillion, Mid Valley, The Gardens etc.
- Most major restaurants such as Pizza Hut, Sushi King, Amarin Heavenly Thai, C-Jade, Athena etc.
- Starbucks
& many more. Just that i couldn't remember all at once.

TM only accept AMEX for auto-debit.


A big mistake, obviously. You should always carry a VISA and/or Mastercard with you all the time, along with your AMEX. But at least you have the SONY VISA

This post has been edited by MilesAndMore: Sep 18 2009, 11:30 PM

The main difference would be the point earned. AMEX Gold credit card gives you 5xMR points at selected places whereas all other range of AMEX do not.

Another difference is the no pre-set limit feature for your charge card.

Yes. That's correct. You will be able to convert the points into cash rebate in no time

This post has been edited by MilesAndMore: Sep 19 2009, 12:16 AM

You can only reapply 6 months later.



It could be RM5000, it could also be RM30,000. Someone here who successfully applied for the AMEX Gold said in the credit card thread that his credit line for this newly approved AMEX Gold is comparable to his existing Platinum credit card.



The bank will not give you any reason why did they reject your application. Certain banks will even send you a generic rejection letter but they won't tell you what the reason is.


You can only reapply 6 months later. That's the rule.

It should be 2 - 3 times of your salary but not everyone applied for a credit card using salary slip. Some got pre-approved complimentary Platinum credit card from their banks and the credit line usually is pretty high.

The maximum credit line for each Platinum series credit card brand is RM300,000. For instance you have a Platinum VISA and Mastercard Platinum, both issued by Hong Leong Bank. The maximum credit line possible is RM300,000 per card brand. Assume that Hong Leong Bank gives you the maximum credit line possible for your both Platinum VISA and Mastercard, your total combined limit from Hong Leong Bank for your credit cards is RM600,000.



Yes. Not pre-set spending limit that is.


Oh ... how so ? I can't apply for a AMEX Gold credit card now. Have to wait till August next year. Still a long time to go but i'm 99.99% sure i'll still be interested in this card then.

Is it because the 0% finance charge will be over then ?

Many actually. Such as Yeoh Tiong Lay's grandchildren, Robert Kuok's children just to name a few



Because my credit card is brand new and i need to wait till it is 1 year old before i can use it to apply for other banks' credit cards.


The perks associated with the AMEX Gold are very enticing. I am so getting that card next year

Just so you know, i was a AMEX personal charge card user (supplementary given by mom) but she is going to cancel it as soon as she receives the bill for September because she doesn't want to deal with anything related to credit card/charge card anymore. Since i am now eligible for a credit card, she asked me to go get it which i did and i got 2 now. Going to use that to apply for AMEX Gold credit card next year.

Based on 200MR = RM1 the exact rebate should be 2.5% for petrol, supermarket and bookstore transaction (**selected). All other transactions will earn you 1% cash back.

Actually the cash rebate is already competitive enough

This post has been edited by MilesAndMore: Sep 30 2009, 12:23 AM

It is stated in the charge/credit card statement.

Oh ... Citibank issue both VISA Platinum and Platinum Mastercard to the customer ? I think i should ask the HSBC staff if i pledge my RM1 million of time deposit to get a secured VISA Platinum from them, will i be given RM800,000 of credit line for the VISA Platinum ... Hehehe ... Oh by the way, no. I do not have RM1 million of time deposit. I mean just try to ask only to find out if there really is no maximum credit limit imposed on each card brand


Actually i have a HSBC VISA and HSBC Mastercard. Both cards are given single credit limit. I was told they couldn't combine the credit line of these two cards. Basically both cards are of the same status


The rate is based on AMEX own exchange rate, not Maybank's.

This post has been edited by MilesAndMore: Sep 30 2009, 11:13 PM

Actually HSBC Classic VISA/Mastercard, Gold VISA/Mastercard, Gold Mastercard/VISA Platinum (HSBC doesn't offer Platinum Mastercard) will all have a combined credit limit. My case is just a bit different


Credit card comes with a credit line and you cannot spend beyond the credit line given. Charge card on the other hand, doesn't come with a credit line. They will approve your purchase based on your past spending pattern. If you intend to make a huge purchase and the amount is very high, it is advisable that you call them first just to make sure the payment will go smoothly.




This post has been edited by MilesAndMore: Oct 1 2009, 01:11 PM

Is the said person have both VISA and Mastercard from Citibank ? If he/she has both VISA and Mastercard from Citibank then i guess this is why his/her combined credit limit can be as high as RM450k. It is mentioned in certain banks websites that the credit line can be up to RM300k per Platinum card. If i'm not mistaken, i saw it in Hong Leong Bank and Standard Chartered Bank websites.

By pledging FD i guess we can find out just how far the credit line for each Platinum can go


This post has been edited by MilesAndMore: Oct 2 2009, 02:21 PM

The one on the left with Maybank logo on top will earn Treatpoints and for every RM1 charged you will be given 2TP.

The one of the right is a true American Express Gold credit card and you will earn Membership Rewards Points instead of Maybank Treatpoints. You can check out the Membership Rewards online catalogue in AMEX Malaysia official website. You will earn 5MR for every Ringgit charged when you spend at selected stores (**Certain supermarkets, Petrol and Bookstores) and 2MR for all other transactions.